Cunningham and Partners: Privacy Policy

ABOUT US

Cunningham and Partners Limited is committed to protecting the privacy and confidentiality of all individuals and takes its responsibilities regarding the security of data very seriously. We abide by the rules of the General Data Protection Regulation (GDPR) upheld by the Information Commissioner Officer (ICO) and are authorised and regulated by the Financial Conduct Authority (FCA). This includes processing any personal data lawfully, fairly and in a transparent manner.

WHAT INFORMATION DO WE REQUIRE?

C+P will collect personal data about you which will include your name, address, details of your insurance requirements and contact information. Depending on the nature of the insurance we will also need to collect sensitive personal information such as health conditions or any convictions. Please refer to the list below for more examples:

  • basic personal details such as name, age, address and gender
  • family, lifestyle and social circumstances, such as marital status, dependants and employment type
  • financial details such as direct debit or payment card information
  • photographs and/or video to help us manage policies and assess claims
  • tracking and location information if it is relevant to your policy or claim
  • identification checks and background insurance risk details including previous claims information
  • medical information if it is relevant to your policy or claim
  • criminal convictions if it is relevant to your policy or claim
  • accessibility details if we need to make reasonable adjustments to help business activities if it is relevant to your policy or

This information can relate to anyone seeking an insurance quote from us now or in the future or whose details are provided during the quotation process policyholders and anyone named on or covered by the policy. It will even extend to anyone who may benefit from or be directly involved in the quotation, policy or a claim. Before you disclose any information about another person you must make sure that you have their permission to give us these details and that they understand how it will be used.

WHY WE NEED TO TAKE THESE DETAILS

We will use the personal information in a number of ways

  • to provide quotes, administer policies and policyholder claims to fulfil our contract;
  • deal with complaints and prevent financial crime to meet our legal obligations;
  • to send marketing information if we have received your specific consent;
  • to manage our business and conduct market research to meet the legitimate needs of our business;

WHAT WE DO WITH YOUR DATA

All of this data will be processed and stored by our staff based in the UK where it is protected by UK law. We may transfer your personal information to Insurers or other third parties to manage your insurance policy or claim; this could be inside or outside the EU. Some of the organisations we share your personal information with have servers outside the EU The information will be treated as confidential and will not be disclosed to any third parties other than:

  • insurers, third party underwriters, reinsurers, insurance intermediaries, regulators, law enforcement, the Financial Ombudsman Service (FOS); and other organisations that provide services to us or you
  • in the event of a claim we may need to forward your details to a loss adjustor or third party who is involved in the settlement of a
  • credit reference, fraud prevention and other agencies that carry out certain activities on our behalf, for example; the Motor Insurance Database (MID) and the Insurance Fraud Bureau (IFB) our approved suppliers to help deal with claims or provide our services, for example; vehicle repairers, legal advisors, loss adjusters, premium finance companies and risk surveyors
  • In certain events it may be necessary to source your personal data from publicly available sources, including information you have made public, for example on social media, fraud prevention agencies or law enforcement agencies

In addition, we will use your information to tell you about changes which may affect your insurance or advice on risk management.

Transfer of personal data outside the UK

Certain personal information held on our systems may be transferred across geographical borders in accordance with applicable law.

By providing us with your information, you consent to the collection, international transfer, storage, and processing of your information. These transfers are governed by European Union (EU) standard contractual clauses or equivalent data transfer agreements to protect the security and confidentiality of personal information.

Withdrawal of consent

Where you have provided your specific consent to the use of personal data, you may withdraw that consent by contacting us:

Dominic Cunningham

2 Allen Street,

Kensington,

London

W8 6BH

Tel: 020 3951 9195

Email: dominic@cunninghamandpartners.com

How to make a complaint

If you wish to make a complaint about how we hold or use your data, please contact us:

Dominic Cunningham

2 Allen Street,

Kensington,

London

W8 6BH

Tel: 020 3951 9195

Email: dominic@cunninghamandpartners.com

HOW LONG WILL WE RETAIN YOUR DATA?

We will only hold data for no longer than is necessary. Where we have arranged a policy on your behalf we will keep your file including your personal data and any call recording, on record for a minimum of six years, in line with our regulatory obligation with the FCA. Where we need to hold your file for longer than this then we will inform you of this.

WHAT ARE YOUR RIGHTS?

At any time you can ask to view the information that we hold on file for you. If for any reason the information is incorrect you can ask for it to be updated or even deleted. In addition you can ask that we restrict the use of your data, object to how we use you data or completely stop using the information we hold on file. However please note that if we do not hold all the relevant details this will affect our capacity to manage your policy or assist in the event of a claim. Formally this is referred to as:-

  • a data subject access request
  • the right of rectification
  • the right to be forgotten
  • the right of restriction
  • the right to object

CHANGES TO THE INFORMATION

We regularly review and, where necessary update our Privacy Notice. If we plan to use personal data for a new purpose our Privacy Notice will be updated and you will be notified.

HOW TO CONTACT US

For any questions or concerns relating to this Privacy Policy or our data protection practices, or to make a subject access or any other request regarding the information we hold, please contact us:

Dominic Cunningham

2 Allen Street,

Kensington,

London

W8 6BH

Tel: 020 3951 9195

Email: dominic@cunninghamandpartners.com